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Home » Personal Banking » Credit Card » Platinum Visa
Credit Cards is rated 4.6 out of 5 by 340.
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Worldwide Convenience. Added Value. Options to Meet Your Needs.

Visa Platinum

Enjoy the prestige of a Platinum card with the added benefits of a low variable rate.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • Pay online in a flash with Visa Checkout
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

†Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.
Android, Android Pay, and the Android Logo are trademarks of Google Inc.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung Pay is available on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.
Visa, Visa Signature and Visa Checkout are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.

Signature Rewards

With an Apple FCU Visa Signature Rewards Card, you’ll enjoy instant access to dozens of everyday benefits, once-in-a-lifetime experiences, fine wine and food events and complimentary 24-hour Visa® Signature Concierge* service, all while earning 3x points on gas and 2x points on groceries.**

It’s time to experience how rewarding life can be.
View Visa Signature special benefits, rewards and offers ►

Because you deserve the best, your Apple Signature Rewards Card features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee†
  • Credit lines up to $50,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • Pay online in a flash with Visa Checkout
  • 25-day grace period on purchases.
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Guide to Benefits | Rewards Overview

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

*Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholders’ behalf. **Reward point earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1) will expire on the last business day of calendar year five (5). Refer to the Visa Signature Rewards Overview for complete details about eligibility, reward accumulation and redemption. †Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.
Android, Android Pay, and the Android Logo are trademarks of Google Inc.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung Pay is available on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.
Visa, Visa Signature and Visa Checkout are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.

MyRewards Visa

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else
  • Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity.
    Learn More About CURewards
Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $5,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • Pay online in a flash with Visa Checkout
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1)will expire on the last business day of calendar year five (5). Refer to the MyRewards Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption. †Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.
Android, Android Pay, and the Android Logo are trademarks of Google Inc.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung Pay is available on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.
Visa, Visa Signature and Visa Checkout are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our MyRewards Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

Educator Visa

Carry the card created with educators in mind.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • Pay online in a flash with Visa Checkout
  • 25-day grace period on purchases
  • No Summertime payments (July, August & September)**
Additional Benefits:

Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County,  Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $1,000 Direct Deposit.

Visa, Visa Signature and Visa Checkout are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.
**By participating in Apple Federal Credit Union’s Educators Visa Summer Skip program, you are being provided the opportunity to skip your Credit Card payments during the months of July, August and September after 6 months of gross account activity. If you take advantage of this offer you agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate and conditions provided in your original CREDIT CARD AGREEMENT, during and after this time; 2) deferring your payment will result in having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 3) the payment deferral will extend the amount of time it will take to pay off your outstanding balance; 4) you will be required to resume your minimum Credit Card payments in October; 5) you may make any payments during the deferment period and 6) if the Credit Card Account is jointly held, either borrower may act on offer. All deferrals are subject to Apple Federal Credit Union approval. Your Credit Card(s) must be current and in good standing to receive this offer. Certain restrictions may apply.
† Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.
Android, Android Pay, and the Android Logo are trademarks of Google Inc.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung Pay is available on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.


View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Educator Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

Student Visa

This fixed rate card with credit lines up to $1,500 is a great choice for students, ages 18 to 25*, looking to build credit.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $1,500
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • Pay online in a flash with Visa Checkout
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Student Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

*Federal law requires applicants up to age 21 to have a co-signer unless able to document individual income to repay the debt.
† Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.
Android, Android Pay, and the Android Logo are trademarks of Google Inc.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung Pay is available on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.
Visa, Visa Signature and Visa Checkout are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.

Mason Alumni Visa

As the official banking partner of George Mason University, we are proud to offer the Apple Federal Credit Union Mason Alumni Visa® Credit Card. Get the spending power you want and the benefits you deserve with a low, variable-rate credit card from Apple FCU.

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else

Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity (including the GMU Alumni Association). Learn More About CURewards

Features
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • Pay online in a flash with Visa Checkout
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1)will expire on the last business day of calendar year five (5). Refer to the MyRewards Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption. †Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.
Android, Android Pay, and the Android Logo are trademarks of Google Inc.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung Pay is available on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.
Visa, Visa Signature and Visa Checkout are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Mason Alumni Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

Credit Builder Visa (Savings Secured)

Our Credit Builder Visa looks and works like any other credit card. It’s a great way to establish or rebuild credit because this type of card is secured by the funds you have on deposit with Apple.

Build Your Credit

Simply deposit any amount, from $250 to $5,000, into an Apple Savings Account. We’ll place a hold on this deposit and that money becomes your credit limit. Then you may use your card for everyday purchases and enjoy the world-wide convenience of your Credit Builder Visa Credit Card.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $5,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • Pay online in a flash with Visa Checkout
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Credit Builder Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

†Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.
Android, Android Pay, and the Android Logo are trademarks of Google Inc.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung Pay is available on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.
Visa, Visa Signature and Visa Checkout are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.

Rated 5 out of 5 by from Apple Federal Credit Union...does it all! Even though I selected writing a review for the Apple Educator Visa, I have used many services from Apple Federal. I have been a long time member. I have enjoyed a high line of credit and low interests with not only the Apple Educator Visa, but I have mortgaged my house, refinanced cars, have an equity loan, set up a summer fund account, and many other things from Apple Federal. Everyone in every branch I've visited has been helpful and understanding. The products and services have been much better than any other bank I have checked over the years. I have recommended many friends and colleagues to Apple Federal, and everyone has been very happy!
Date published: 2016-07-08
Rated 5 out of 5 by from Best student credit building card! When I turned 21, I decided I needed to start building my credit as soon as possible. Other financial institutions had extremely high interest rates and while I don't usually carry a balance, AFCU had the best interest rates I could find. Their service was fast and outstanding in helping me get my credit history started and is still my oldest credit card, which I have no intention of closing. Once I had my identity stolen and AFCU was on top of it immediately, before I even knew about the fraudulent charges. They called me and fixed the situation as quickly as possible and hsa been helping me keep my account secure ever since. Thank you!
Date published: 2016-09-05
Rated 5 out of 5 by from The Most Efficient Credit Building Visa Around The application process was simple. It is convenient to pay my balance because its located on the same screen as my checking and savings account. As soon as I applied for the card a couple days later I found out I was approve, and soon after I received my card in the mail.From opening a credit builder visa I was able to build enough credit to sign for a loan for my new car I bought. I was only 20 at the time, and did not need a cosigner. To this day people still do not believe me! I would definitely recommend this product to college students that are trying to increase or establish credit. It amazing how quickly it took me to establish enough credit to sign for my own car loan.
Date published: 2016-07-25
Rated 5 out of 5 by from Amazing Student Credit Card Given the fact that having a credit in America is truly important finding the right credit card as a student is important. I've done research of many other. Reddit cards and found that they are way too expensive to have and might actually damage you instead of make you. With getting the credit card offered by Apple FCU I had the knowledge that it will benefit me in some way. I also have two accounts with them already and only positive things have happened to me. The credit card has a low rate and the limit depends on how much you make which helps you not max out a credit card. If your looking to get the feel of having a credit card this is your safest bet.
Date published: 2017-02-10
Rated 1 out of 5 by from Worlds worst credit cards These cards are not easy to use. The website is not intuitive or user friendly. Poor customer service. You have to monitor your payments closely as they make it as difficult as possible. You are on your own with this card. I don't think you can set up automatic payments and you can not make transfers directly from your apple account. This card is not seem less. There are so many excellent credit cards out there. Pass this one by.
Date published: 2015-05-16
Rated 1 out of 5 by from Access to My Apple Federal Credit Card payment sit Your site is NOT user friendly, nor is it intuitive. I am all for security, but give me a break. There is no simple way to make a payment on my Apple VISA Credit Card. I am thoroughly frustrated, and I am not neophyte with IT.
Date published: 2015-08-18
Rated 5 out of 5 by from AFCU Exceeds all Expectations in Banking AFCU has (by far) exceeded my expectations when it comes to banking. I recently opened a Platinum Visa card with AFCU in order to consolidate and I must say that I am extremely happy and satisfied with the level of customer service I received during this process. I've been satisfied with the rates and overall ease of banking with AFCU. I will be purchasing a home (first time buyer) soon, and I am looking forward to speaking with the member services team for assistance! AFCU truly is the best there is and I am proud to be a member!!!
Date published: 2015-05-08
Rated 5 out of 5 by from Vacation I went on vacation and use my apple fcu credit card and it was awesome. I didn't have to spend no cash out of my pocket. I purchase everything using my apple fcu credit card. I had no problems at all. I called ahead of time to inform apple fcu that i will be going to Georgia and Florida and for how long i was going to be there. They insured that i will not have a problem using my credit card and they was 100% correct. My wife enjoyed outself with a worry free credit card. Thank you Apple Federal Credit Union! You guys are AWESOME!
Date published: 2017-02-21
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Hi Apple Bank, Does the Student Visa Credit Card have foreign transaction fees?

Asked by: msgsimone
Thank you for your inquiry. The Student Visa® does not have any Foreign Transaction fees associated with the account. For all up to date Disclosure & Fees associated with this Credit Card, visit https://www.applefcu.org/Content/docs/disclosures/Disclosure_VisaStudent.pdf
Answered by: Apple FCU
Date published: 2017-08-14

Can I get cash back my credit card

Asked by: funzy
Currently, Apple FCU Signature Rewards, MyRewards and the Mason Alumni Credit Cards earn points that can be used for cash back to your Apple FCU account or Card. If you have a different card type and wish to switch to one of these rewards cards, please call 703-788-4800.
Answered by: AppleFCU
Date published: 2017-07-17

Is there a cashback percentage?

Asked by: Zac328
Thank you for considering Apple FCU for your credit card needs. You’ll earn 3x rewards for gas, 2x rewards for groceries and 1x reward for everything else. You may redeem rewards points for a deposit to your Apple Federal Credit Union Checking or Savings account in $25.00 increments. Should you have additional questions, it's best to speak with a Loan Officer so they can provide details specific to you. Representatives are available Monday-Friday, 8 a.m. to 6 p.m., and Saturday, 9 a.m.-Noon.
Answered by: Apple FCU
Date published: 2017-06-30

Is the deposit refundable ?

Asked by: Aundrea
We are unable to respond to your inquiry due to insufficient information. Please submit your question through the Secure Message Center or give us a call at 703-788-4800. Representatives are available Monday-Friday, 8 a.m. to 6 p.m., and Saturday, 9 a.m.-Noon.
Answered by: Apple FCU
Date published: 2017-06-30

Can I change the PIN number mailed to me? What happens if I forget my PIN number?

Asked by: JMoorer
Thank you for your inquiry. For security purposes, you cannot change your credit card PIN. To access your credit card PIN, please submit your request through the Secure Message Center or call 703-788-4800, Monday-Friday, 8 a.m. to 6 p.m., and Saturday, 9 a.m.-Noon. Once we receive your request, your PIN will be mailed to you.
Answered by: Apple FCU
Date published: 2017-06-30

On the Credit builder card, is this reported to credit bureaus? Also, is there a review period when it changes from secured to unsecured?

Asked by: Cyndi
Yes, Apple FCU's Credit Builder Card is reported as secured credit to the bureaus. Secondly, they do not automatically "graduate" into an unsecured product. Should you wish to move on to an unsecured card, you would have to apply for that new type. Should eligibility result in issuance of a new Unsecured Card, it would be separate from the Secured Card, but the new Unsecured Card retains all the history built on the Secured card. The credit report will process the change from Secured to Unsecured as an upgrade. Hope that helps! To apply for an Apple Visa Credit Card today, please visit https://loanapp.applefcu.org/.
Answered by: AppleFCU
Date published: 2017-06-20

I see that there is no "foreign transaction" fee on the Apple Rewards card. Does this mean that when I use the card in Canada, the Canadian$ will be converted to US$ at the current exchange rate with no additional per transaction fee?

Asked by: Sheryl
Thank you for your question! You are correct, as an Apple FCU Visa cardholder you will not be charged a Currency Conversion Fee. If you have further questions, please call 703-788-4800.
Answered by: Apple FCU
Date published: 2017-06-14

I'd like to know if the Credit Builder is a 'secured' credit line option or a pre-paid classification? I'm trying to rebuild my credit and also need to secure a rental car and this is the question they asked - is it 'secured'?

Asked by: cdutton979
The Apple FCU Credit Builder Credit Card is a secured card; it is not a pre-paid card. If you have further questions, please call 703-788-4800 as they may be more specific to you.
Answered by: AppleFCU
Date published: 2017-06-12
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